credit union

Liberty Bay

Braintree, MA · Est. 1917
A
Trust Grade
Excellent
Score: 94/100

Liberty Bay is a credit union based in Braintree, Massachusetts, established in 1917, with $840 million in total assets serving 21,692 members. By Trust Grade it ranks 53rd of 122 credit unions we track in Massachusetts. Its net worth ratio of 14.7% is stronger than 85% of similarly sized credit unions, versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 0.49% return on assets. No consumer complaints against Liberty Bay appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$839.9M
$100M–1B institution
Members
21,692
Shares & deposits
—
Net worth ratio
14.7%
Top 15% of $100M–1B peers · Massachusetts median 12%
Return on assets
0.5%
Bottom 36% of $100M–1B peers · Massachusetts median 0.55%
Rank in Massachusetts
#53
of 122 credit unions

How Liberty Bay compares to Massachusetts peers

Net worth ratio
Top 15% of $100M–1B peers
Liberty Bay
14.7%
Massachusetts median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 36% of $100M–1B peers
Liberty Bay
0.5%
Massachusetts median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Liberty Bay

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
94/100
Customer experience
n/a
Overall
A · 94
  • Strongly capitalized (14.7% capital ratio)
  • Profitable (ROA 0.49%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Liberty Bay over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Liberty Bay insured?

Yes. Liberty Bay is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Liberty Bay: frequently asked questions

Is Liberty Bay a good credit union?

Liberty Bay earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (14.7% capital ratio); Profitable (ROA 0.49%).

Is Liberty Bay NCUA-insured?

Yes. Liberty Bay is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Liberty Bay?

Liberty Bay holds $840 million in total assets, ranking 53rd of 122 credit unions we track in Massachusetts. It serves 21,692 members.

Does Liberty Bay have CFPB complaints?

No CFPB complaints against Liberty Bay appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

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Polish National
credit union · Chicopee, MA · $765M assets
Gfa
credit union · Gardner, MA · $761M assets
Freedom
credit union · Springfield, MA · $757M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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